Revolutionize your underwriting strategy with cash flow data
Cash Atlas™ analyzes bank transaction data to enable you to generate a complete risk profile for consumers across the credit spectrum. In conjunction with traditional credit data, you can now make more informed decisions on no-file, thin-file, or thick-file consumers. Cash Atlas™ provides FCRA consumer reports to help you understand consumer affordability and likelihood to pay.

Why Cash Atlas™
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Improve risk assessment
Cash flow data can be used in conjunction with or in lieu of traditional credit history to provide an enhanced view of your consumer’s affordability and likelihood to pay, both now and in the future.
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Originate more loans
By measuring affordability in conjunction with credit risk, Cash Atlas™ enables unparalleled insight into consumer creditworthiness to expand your market.
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Reduce testing cycles while maximizing risk prediction
Attributes proven to predict credit risk means you can spend less time testing and more time driving new consumer growth.
For many industries
We empower banks, credit unions, fintechs, and lenders to make informed financial decisions.
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Credit Cards
Financial institutions can fairly evaluate consumers to provide wider access to credit.
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Auto Loans
Indirect and direct auto loan companies can offer competitive terms.
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Personal Loans
Lenders can underwrite more consumers without increasing default rates.
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Buy Now Pay Later
Providers can reduce their default rate by improving their risk assessment.
Instant connection to consumer-permissioned data

Cleaned, processed, and normalized bank data
Nova Credit has developed proprietary approaches to improve the signal-to-noise ratio of bank transaction data, helping solve for:
- Differentiating real income from non-income related inflows (e.g. transfers, merchandise returns, etc.)
- Identifying money movement between accounts owned by same consumer
- Differentiating between individual and joint accounts and reporting on both the consumer and account levels

Attributes Proven to Predict Risk

Let's Talk!
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